💰慳妹日記💰聰明地使用現金券

最近我買了美容package,消費近五位數字的港幣。因為是用信用咭結賬,得到了兩百多塊cash dollars。你們猜吾用來買了些甚麼?哈哈,是洗頭水!

假如收到一張現金券,一般人通常會選擇用來購買自己一直很心動的產品,很少會拿來買柴米油鹽的。『我想買這部自拍相機很久了,現在等於是有人送我呢!』『傻瓜才會用來買衛生巾衛生紙吧?那些東西自己也付擔得起呀!』

重點來了!付擔不起的東西,對於有心儲蓄的人來說,本來就不屬於支出的行列,不論減價多少,都不應該購買的,就算獲得現金券亦然。最合乎儲蓄效益的做法,應該是利用這筆意外之財購買日用品,因為那些消耗品都是必須的開支,把這筆錢省下來,而非必要開支維持不變的話,這個月的實際支出就會比上個月的為少。

所謂的節約是買該買的,並放棄不該買的。節約從來都不是剝奪基本生活,而是選擇性地將不必要,不關乎生死存活的開支剔除,過花費最少的簡樸生活。

很多人會以沒情趣來貶低節約的人,但情趣並非生存的必要條件。況且,情趣並不一定要『買回來』。 小時候沒錢買玩具,也能自創小玩兒,一樣玩得很高興,不是嗎?人類的創意是很強大的,覺得必需花錢來獲得生活情趣的人,其實中了很深的廣告毒,太倚賴商業產物的方便。

儲蓄是一件大事,跟錄一張唱片、拍一部電影、煮一頓盛宴所運用的持久力如出一轍的。考進大學時,你面對很多分心溫習的娛樂,唯獨那些擺脫誘惑的學生能考取好成績,同理,想儲一百萬的人會遇到很多誘惑,每天經過商場也會有包裝精美的產品向你招手。有心儲蓄的人一定要時刻提醒自己『只買必需品』,意志只要稍微轉弱,就會中招。要知道,花了一千塊買香水,就少了一千塊乘車吃飯,此消彼長。月光族和小富婆的差別只在於微小的金錢概念啊!

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💰慳妹日記💰幸好沒有買meiya的書

在商務印書局翻到一本雞湯書,叫《正是時候愛自己:展現你真正的樣子,去擁抱世界,勇敢地愛, 享受和自己相處的時光》。

因為早前買太多也看太多類似的勵志書,就是沒有做到,因此不太敢碰同類型的書,以免喚起「知易行難」的無力感。

加上最近對自己所花每一筆錢都很在意,不想衝動購物,習慣先記下在書店發現而感興趣的書名,然後回家在網路搜尋網友對該書的評價。

幸好沒有買meiya這本,原來在內地的豆瓣網早已揭發了這位作者抄襲的劣行。(很可能因為東西是抄回來的,才要使用筆名以防惹禍上身。直覺告訴我這個筆名背後不只是一個人而是一群人!)

不過,香港和台灣讀者對這位meiya就很陌生。我還以為她是文壇新星,原來早在內地出版簡體字書了。

作為寫作愛好者,我無法容忍任何形式的抄襲。

說起來好笑,在打書釘的期間,我沒有細心閱讀作者簡介一欄,誤以為她是由都市遷移至農村,精神生活至上的文藝女生,原來她是由鄉村來到大城市拼搏,追求優越生活的女生。不難推論她的見解一定非常庸俗,不值得參考。

還好把錢省下來。

Donating a Beloved Book

It was a picture of a blonde with blue headscarf, pearl earrings and pink lipstick — almost like a Vemeer’s. I was captivated at the first glance.

In the logic of “time first, money second”, I did not want to pay a visit to the book store every a few days just to patronise the art work and so I bought the book. I spent $131 just for a single page. It isn’t even on my bookshelf anymore for I have donated it to my secondary school art teacher. It’s now a minor asset of her art reference corner.

I didn’t regret buying or donating it as I read into the fate of the book. It can either sit on its bored owner’s dusty book shelf or once in a while be discovered by and inspire a group of art students.

I know how much I’d love to read an newly published illustration book rather than the older ones when I was a student. Of course I could see buying a book but not owning it until the end of my life as a waste of money, but it could also be a present from “the new me” to “the old me”.

💸My Old Spending Habit (2 of 2)💸The Turning Point

My first taste of how minimalism could bring clarity and focus in life was dated back to 2008. During my short immersion in Australia, I’ve experienced how little one actually needs in order to survive and be happy.

As an avid reader, I came across several books written by decluttering experts in Japan and they were great guides to decluttering but I wasn’t ready to fully implement minimalism yet.

Then quite unexpectedly, two months before my graduation, I suffered a setback in the love department. I was so heartbroken that I was forced to re-evaluate every single belief of mine because all along I was wired to think “he” was “the one”. Something must be wrong in my head and I needed to know what it was.

I was in desperately need to move on and start from a clean slate. So I pulled out all possessions and looked at them one by one. “Does it reflect my ideal self?” I asked. If it didn’t, I tossed it to the trolley which was filled with clothes, books and trinkets to be donated to the Salvatory Army.

It was one of the wisest decisions I made for myself because thanks to my determination to downsize my stuff, my two movings in 2011 and 2012 became much less of a burden. I didn’t have a crazy amount of boxes to pack and unpack.

💸My Old Spending Habit (1 of 2)💸

I am not being one of those self admitted shopaholics who take their syndrome proudly as a prize when I say this, but I used to be very, very lavish.

All my friends know my bad spending habit. When I went out, I would spend the last banknote in my purse. There had been times when there wasn’t enough bus fare left that I needed to borrow a few dollars from my friend.

It all started when I was twelve. I didn’t want to feel inferior with my affluent friend. Since we met at weekend for tutorial class, I bought a new T-shirt, vest or sweater every week just to keep up with her abundant closet!

Luckily this friendship didn’t last long, or else I would certainly be broke from the additional expenditure starting from the age of thirteen when I was introduced to k-pop by my friend.

Not many people listened to Korean music in Hong Kong in early 2000s and so Korean stars’ products weren’t that widely available. It was almost like an obligation as a fan to buy every spotted knickknack with a Korean star’s face printed on it. I could have paid the first instalment of a mortgage had I not spent all those money on H.O.T, Shinhwa and some other K-pop bands.

Things didn’t get any better when I was juggling the development of both the brain and the body throughout the four years in college. My thirst for cultural input got me hunting for books and video discs which might not be relevant to my profession. My poor understanding of my body shape and skin type, and most importantly the lies told by advertisers and my impressionability, fooled me into buying an abominable amount of products that didn’t serve me.

💰New Money Habit 2💰Decluttering

Decluttering has been a buzzword for the past few years now. Even if you don’t feel like joining the whole fad of Minimalism Movement, you should give decluttering a try because it does relate to money management.

First and foremost, decluttering reduces our desire to purchase. Anyone who read KonMari’s book and follow her teachings will agree that decluttering is an exhausting, at times excruciating task! By simply clearing out the clutter in a space as small as the bathroom is enough to be shown how much stuff (in other words, money spent) one actually owns.

Some of the stuff we own are stored in places that are bound to be forgotten. It is only through decluttering that they come to light. We may think we need the latest product shown on commercials but once we see with our very own eyes and touch with our very own hands the stuff we actually own, we will see how bountiful our possessions are all along.

Apart from curbing our desire to shop, confronting with our clutters can resolve our potential to be an achiever to earn more money. Once a space is decluttered and the resources are lay neatly in front of us, there are less distractions and we will have clearer goals and work more efficiently.

Ethical Shopping (My First Purchase After A Year-long Book Detox)

During my gap year/spiritual journey in 2011-2012, I found the dharma talks given by Ching Kung master (a Chinese Buddhist monk) so enriching that I didn’t feel like reading anything secular, except for teaching purpose (like the poems and short stories covered in the syllabus of HKDSE English Literature).

During that period of time, it was kind of a guilty pleasure for me to buy this book called Bonjour, Happiness. To be honest, I didn’t even need this book, as I considered myself quite qualified as a French in most aspects of my lifestyle. If it doesn’t cover anything that I don’t know already, why did I buy it?

Well, I spent half an afternoon reading in an air-conditioned, well-lit and spacious bookstore, so it would be morally wrong to walk out of it without leaving anything behind aside from a few strings of hair from the mindless brushing and twirling while reading… I am kidding!

The true reason was, I wanted to be an ethical buyer. As a minimalist, I believe I bear a certain degree of responsibility in supporting the ideas of finding happiness in a less materialistic approach as preached by the author Jamie Cat Callan.

Before that, I hadn’t really picked up a book and walked to the counter for nearly a year. There was only this one time when I wandered around a nearby district and discovered an underground used bookstore with over ten cats lying and jumping around.

I don’t want this place, the home of those cats, to close down but I know it probably will someday as people are less inclined to paperbacks. I want to help with the rent, even by just a few pennies. Besides the boss kindly directed me how to get to my destination. In return I bought a few used books there.

Another example of ethical shopping was I bought a packet of baking soda for $10 at a bakery supply store when I could get the exact same box for $9.5 at a chained supermarket. To which store my money goes to matters because each dollar speaks for what I support. I wanted to support a local store which specialised in baking so I opted to spend my money there.

Compared to this guy here in Hong Kong who started his one-man campaign of not buying things from corporation chain stores for a year, I am only doing so little.

I hope by sharing how little we can do to implement the notion of ethical shopping that more people will join the league and make this world a kinder place.